The First National Bank of Sterling City: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Yield on earning assets edged up by 0.15 percentage points, from 3.60% to 3.75%, the largest move among the key lines here. On net interest margin, The First National Bank of Sterling City is 28th from the bottom among 345 Texas banks, 2.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank of Sterling City sits 0.98 points lower, at 2.97% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.75% |
| Yield on loans | 6.72% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.90% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.97% |
| Yield to cost spread | 2.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $744K |
| Total interest expense | $487K |
| Interest expense on deposits | $485K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.05% | 0.66% | 2.45% | 6.84% | 2.40% |
| Q4 2023 | 3.12% | 0.61% | 2.58% | 6.55% | 2.40% |
| Q1 2024 | 3.30% | 0.87% | 2.53% | 6.58% | 2.44% |
| Q2 2024 | 3.28% | 1.00% | 2.41% | 6.93% | 2.47% |
| Q3 2024 | 3.28% | 0.86% | 2.54% | 6.91% | 2.48% |
| Q4 2024 | 3.33% | 0.63% | 2.79% | 6.94% | 2.52% |
| Q1 2025 | 3.41% | 0.73% | 2.77% | 7.17% | 2.59% |
| Q2 2025 | 3.59% | 0.81% | 2.87% | 7.89% | 2.66% |
| Q3 2025 | 3.59% | 0.78% | 2.92% | 6.97% | 2.71% |
| Q4 2025 | 3.60% | 0.74% | 2.96% | 6.64% | 2.87% |
| Q1 2026 | 3.60% | 0.77% | 2.93% | 6.66% | 2.97% |
| Q2 2026 | 3.75% | 0.90% | 2.97% | 6.72% | 3.10% |
The First National Bank of Sterling City yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Sterling City, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Sterling City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5538) · FFIEC NIC profile (RSSD 411062)